 | ALL Direct Written Premium (DPW) | Ind Agent DPW | Excl.-Captive DPW | Direct DPW | Surplus Lines DPW | | $1,714,913,000 | $608,527,000 | $786,315,000 | $320,071,000 | $0 | | | | | | | | 2019 to 2023 Ave Commission % (All Insurers) | Ind Agent Penetration | Excl.-Captive Penetration | Direct Penetration | Surplus Lines Utilization | | 9.5% | 10.1% | 9.8% | 9.7% | 9.8% | 35% | 46% | 19% | 0.0% | | | | | | | Active Affiliated and Unaffiliated | IA+MGA+IA-Mixed | Excl.-Captive | Direct | Surplus Lines Insurers | | 118 | 63 | 26 | 29 | 0 | | | | | | | | 1-yr | 5-yr Premium Growth: All Premium | 1-yr | 5-yr: IA+MGA+IA-Mixed | 1-yr | 5-yr: Excl.-Captive | 1-yr | 5-yr: Direct | 1-yr | 5-yr: Surplus Lines | | 14% | 6% | 17% | 6% | 13% | 7% | 9% | 4% | N/A | N/A | | | | | | | | Top 5 Groups | 1-yr DPW | 1-yr LR | CR | 1-yr Growth | Comm% | Largest Insurer in Group or "N/A" | | State Farm Group (G) | $341,376,000 | 76% | 101% | 17% | 10% | State Farm Mutual Automobile Ins Co | | Progressive Insurance Group (G) | $300,636,000 | 64% | 84% | 18% | 6% | Progressive Northern Insurance Company | | Farmers Mutual Insurance Co of Nebraska | $161,323,000 | 72% | 101% | 12% | 15% | N/A | | American Family Insurance Group (G) | $121,451,000 | 68% | 96% | 16% | 8% | American Family Insurance Company | | Allstate Insurance Group (G) | $117,421,000 | 66% | 90% | 22% | 10% | Allstate Fire and Casualty Insurance Co | | Total or Average | $1,714,913,000 | 0% | 0% | 14% | 10% | N/A | | | | | | | Top 5 Pure Independent Agent-Broker Policy-Issuing Insurers | Group or "N/A" | | Progressive Northern Insurance Company | $171,967,000 | 64% | 86% | 14% | 11% | Progressive Insurance Group | | Farmers Mutual Insurance Co of Nebraska | $161,323,000 | 72% | 101% | 12% | 15% | N/A | | Owners Insurance Company | $36,384,000 | 74% | 103% | 32% | 15% | Auto-Owners Insurance Group | | Standard Fire Insurance Company | $34,233,000 | 69% | 90% | 11% | 13% | Travelers Group | | Viking Insurance Company of Wisconsin | $31,046,000 | 57% | 87% | 22% | 12% | Sentry Insurance Group | | Top 3 MGA/Wholesale Policy-Issuing Insurers | Group or "N/A" | | Liberty Mutual Personal Insurance Co | $3,848,000 | 73% | 78% | 67% | 2% | Liberty Mutual Insurance Companies | | AssuranceAmerica Insurance Company | $2,551,000 | 83% | 106% | -17% | 20% | AssuranceAmerica Insurance Group | | State National Insurance Company, Inc. | $834,000 | 42% | 98% | -2% | 49% | Markel Insurance Group | | Top 3 Exclusive-Captive Policy-Issuing Insurers | Group or "N/A" | | State Farm Mutual Automobile Ins Co | $326,790,000 | 75% | 101% | 17% | 10% | State Farm Group | | Farm Bureau Property & Casualty Ins Co | $92,018,000 | 86% | 120% | 13% | 16% | Farm Bureau Property & Casualty Group | | Allstate Fire and Casualty Insurance Co | $78,574,000 | 65% | 78% | 14% | 10% | Allstate Insurance Group | | Top 3 Direct Policy-Issuing Insurers | Group or "N/A" | | Progressive Universal Insurance Company | $128,669,000 | 64% | 73% | 23% | 0% | Progressive Insurance Group | | GEICO Advantage Insurance Company | $33,735,000 | 56% | 58% | -18% | 0% | Berkshire Hathaway Insurance Group | | United Services Automobile Association | $26,954,000 | 77% | 99% | 9% | 0% | USAA Group | Top 3 Surplus Lines Policy Issuing Insurers
| Group or "N/A" | | N/A | $0 | N/A | N/A | N/A | N/A | N/A | | N/A | N/A | N/A | N/A | N/A | N/A | N/A | | N/A | N/A | N/A | N/A | N/A | N/A | N/A | | Top Individual RRG | Group or "N/A" | | N/A | $0 | N/A | N/A | N/A | N/A | N/A
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Source: © A.M. Best Company — used by permission.
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